Physical Therapy - Manual Therapy
CPT Code: 97140
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Check My Bill for Physical Therapy - Manual Therapy →Understanding the cost of Physical Therapy - Manual Therapy
What does the Medicare rate mean?
The Medicare rate of $33.22 is the amount the federal government pays providers for CPT 97140under the Medicare Physician Fee Schedule. It’s the most widely published benchmark for what a procedure "should" cost and is used as a reference point by commercial insurers when negotiating their own rates.
What do commercial insurers pay?
Commercial insurers (Blue Cross, Aetna, UnitedHealth, etc.) negotiate rates independently with each provider network. As a rule of thumb, these rates fall in the $39.86 – $66.44 range for Physical Therapy - Manual Therapy — roughly 1.2 to 2 times Medicare. If you were billed significantly more, the excess may be negotiable.
What if I was billed more than the commercial range?
Bills above the typical commercial range are common, especially for uninsured or out-of-network patients who receive chargemaster (list) prices. You have several options:
- Ask for the Medicare rate or self-pay discount — many providers will accept this immediately.
- Request an itemized bill — billing errors are common and can account for hundreds or thousands of dollars.
- Appeal if you have insurance — if the procedure was denied or you were billed out-of-network, you have the right to appeal.
- Ask about financial assistance — nonprofit hospitals are required by law to offer charity care programs.
Frequently asked questions
How much does Physical Therapy - Manual Therapy cost without insurance?
Without insurance, you may be billed the chargemaster (list) rate, which can be 3–10× the Medicare rate. For Physical Therapy - Manual Therapy, that could mean a bill of $99.66–$166.10 or more. Always ask for the self-pay or cash-pay rate before accepting the listed price — providers often offer significant discounts.
What is CPT code 97140?
CPT 97140 is the Current Procedural Terminology code assigned to Physical Therapy - Manual Therapy. It’s used by providers, insurers, and Medicare to identify and bill for this specific service. You’ll find it on your Explanation of Benefits (EOB) or itemized bill.
Can I negotiate the cost of Physical Therapy - Manual Therapy?
Yes. Negotiating medical bills is common and often successful. Referencing the Medicare rate of $33.22 gives you a credible, federally published benchmark to anchor the conversation. Many providers will accept 1–1.5× Medicare as a cash settlement.